Saturday, May 15, 2021
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Tag: coverage limits in health insurance

Autism Bill a Mixed Blessing

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I was really happy to see that the House of Delegates finally passed a mandate that health insurance companies in the state provide coverage for the diagnosis of autism and the treatment of the disorder from ages two to six. However, after reading the text of the bill as passed, my enthusiasm level dropped quite a bit.

The bill gives insurance companies a way out of the mandate if the coverage provided requires premiums to go up by 1% or more. Also, there is a $35,000 annual limit on coverage, and that is not indexed to medical inflation. Additionally, and this provision is to be expected no matter what Ken Coochinelli believes, as of January 1, 2014, the state coverage requirement cannot be more stringent than whatever ends up in the plans offered in the state insurance exchange set up under the federal Affordable Care Act passed last year.

So, while passage in the House of Delegates is a great victory for the families of autistic children, this mandate - if, as expected, it passes the Democratic-controlled State Senate - will be one of the most restrictive in the country. That's certainly better than the status quo, however.

As I looked at the names of the 24 delegates who voted against this rather limited bill, I decided to find out how many of those politicians got lots of money from the health care and insurance industry. (That information is very easy to get, thanks to Richmond Sunlight, the website designed by Waldo Jaquith and funded by the Virginia Interfaith Center.) As it turns out, 11 of those politicians over the course of their careers in the General Assembly have gotten more money from the health care business than from any other industry.